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Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: Hi Peter...I am 69 years old. My thoughts on my RIF withdrawal strategy are to first take out any cash collected from the dividend paying companies which get me to about 50% of the minimum withdrawal. The next step would be to transfer out Canadian or US capital appreciation companies into our margin accounts. I realize it could be argued it is best to shelter capital appreciation companies inside the RIF as long as possible so an alternative approach would be to take out Canadian dividend paying companies (like BNS or TD) first. However in the end it might be preferable to work down the RIF size to reduce a sizeable tax hit upon death. In spite of 2020 withdrawals and market gyrations my RIF grew by 11% over the year.
I suppose if the RIF is to go to charity upon my or my spouse's death it is best to maximize the RIF. Only take out enough money to keep CRA happy and suit one's lifestyle.
I know you are just a youngster (!) but any thoughts you have on this "ageing" topic would be appreciated.
Regards,
Jim
Read Answer Asked by James on January 07, 2021
Q: I was surprised to see you quote ENB as one of your top Canadian dividend picks in a recent question.

I am troubled by the "low" increase in dividend growth this past quarter. Please help me interpret this from a numbers (earnings, cash flow, future growth) point of view that would reassure me that it deserves to be amongst your top Canadian dividend picks.

thanks

Ernie
Read Answer Asked by Ernest on January 07, 2021
Q: I currently own $10K in each of these companies,,, looking to invest another $10k into possibly SLF or BCE. I look at 1 year at a time and then judge after. My aim is growth. Would you change anything?
Read Answer Asked by Ziaad on January 07, 2021
Q: Investment in these 5 roughly equal. Need to drop at least 2. Time frame to hold is next 2 years. Please rank. Thank you.
Read Answer Asked by William on January 07, 2021
Q: Thanks for the January 5th guidance on US stocks for TFSA.
I like your "growth stocks with at least some degree of stability" suggestions as it fits my risk/reward mental framework. 
One stock I was thinking about was SQ.  But with its volatility as measured by beta being 2.33, I'm now thinking of putting it on hold as a transfer from a trading account to the TFSA or might just do 50% of the number of shares.
Besides beta, is there a way I could also assess or calculate US stocks with steady growth that for me is relatively easy to do?
 Continuous learner via 5iR....Yahoo!.....Thanks....Tom
Read Answer Asked by Tom on January 07, 2021
Q: With the streaming boom and OTT advertising hype, is SEAC on your radar at all? recent news Dec 21 expanding platform seemed to be interesting... very risky of course.

Also noticed some new growth names coming up specifically MITK and TT, can you expand on why these are perking your interest?
Read Answer Asked by Michael on January 07, 2021
Q: I want to purchase one of the above stocks for this years TFSA. Could you rank based on upside out a couple years.
thanks Dave
Read Answer Asked by Dave on January 07, 2021
Q: I was reading something from Paul Merriman where he recommends allocating a portion of your portfolio to a small cap value fund, particularly for investors with very long time horizons as he claims that historically this is one of the best performing categories over long periods. How do you feel about this strategy? I was considering either IWN or VTWV. Do you have a preference between these two and can you suggest a similar ETF for international (non US) small cap value?
Read Answer Asked by Steven on January 07, 2021
Q: What do you make of Firm Capital Property Trust? They raise their dividend and recently have had a good quarter: “NOI for the nine months ended September 30, 2020 was approximately $21.4 million, a 32% increase over the $16.2 million reported for the nine months ended September 30, 2019.”

Most of their tenants are Grocery, Pharmacy or essential services. They also own interests in residential and industrial properties.

Thank-you.
Read Answer Asked by David Michael on January 07, 2021
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